Senior Software Engineer II - Backend (Java) - Account Sharing

We are looking for a **Senior** **Backend Engineer** to join the **Account Sharing** team within Wise’s **Consumer Squad**. The team is focused on building entirely new products in the **shared finances** space for consumers — including **international joint accounts** and **kid accounts**. Our mission is to make it easy for families, couples, friends, and flatmates across different countries to manage money together seamlessly through Wise. Unlike most existing solutions that are limited to domestic markets, we are building shared financial experiences that work globally. This is a highly **product-oriented engineering role** where you’ll help shape products from the ground up. You’ll work closely with **Product Managers, Designers, Data Analysts, and User Researchers** to deeply understand customer problems and turn ambiguous ideas into scalable financial products used by millions of customers worldwide. **How we work** For everything we build, we keep our customers at the center of decision-making. We prioritize work based on customer research, behavioral data, and direct feedback, and we iterate quickly based on what we learn. The **Account Sharing** team operates as a highly collaborative, cross-functional product team. Engineers are not expected to simply implement tickets — they are expected to contribute to product direction, challenge assumptions, influence technical strategy, and help shape the customer experience. The environment is **greenfield and fast-moving**. Requirements evolve quickly, and engineers are encouraged to take ownership, drive discussions, and work closely with stakeholders across engineering, product, design, and research. At Wise, we believe in autonomous teams where everyone contributes ideas, takes ownership, and helps define priorities together. **Impact** Your work will directly shape the future of **shared finances at Wise**. You’ll help build products that allow families, couples, flatmates, and friends across different countries to manage money together in ways that existing financial products often cannot support today. The systems and experiences you build will need to scale globally, support millions of customers, and navigate the complexities of international compliance, regulation, and financial infrastructure. This role offers the opportunity to influence both **technical architecture** and **product direction** while helping Wise expand into a strategically important area of consumer finance. **What will you be working on?** **Key focus areas for the team are:** * Building **international joint accounts** for globally distributed users * Expanding Wise **kid accounts** into additional markets * Creating shared finance experiences that work across borders * Designing scalable backend systems for high-growth consumer products * Developing features around shared spending, sending/receiving money, and account customization * Collaborating on customer discovery and product iteration * Scaling infrastructure and improving reliability across multiple markets * Building greenfield financial products from concept to production **You’ll also have opportunities to work across multiple areas of the Wise ecosystem, including:** * Send/receive money flows * Spend experiences * Authorization systems * FinCrime-related systems * Shared account infrastructure **What do you need?** * You know how to build scalable distributed systems and deliver customer-facing products used by millions of users. * You are proficient in backend programming languages such as **Java, Kotlin, Python, or Go**. * You have strong experience designing asynchronous, reliable, and scalable systems within **microservice architectures**. * You are comfortable working in greenfield environments where requirements evolve rapidly and ambiguity is part of the process. * You have a strong **product mindset** and enjoy collaborating closely with **Product Managers, Designers, Analysts, and Researchers** to shape solutions — not just implement them. * You care deeply about customer experience and understand how technical decisions impact end users. * You are comfortable contributing to architectural discussions, challenging assumptions, and influencing technical and product direction. * You write clean, maintainable, well-tested code and care about long-term scalability and reliability. * You are a strong communicator who can explain complex technical concepts clearly and collaborate effectively across teams. * You are comfortable operating independently while also contributing to a collaborative team culture. **Nice to have** * Experience building greenfield products from scratch * Experience working on international consumer products * Experience with payments, financial systems, or compliance-heavy environments * Experience building systems at global scale * Familiarity with event-driven architecture and messaging systems such as Kafka * Experience with customer-facing financial products * API-first development experience **Interested? Find out more:** * **[How we work – a practical guide](https://wise.jobs/how-we-work)** * **[DEI @ Wise](https://wise.jobs/diversity-equity-and-inclusion)** * **[Wise Tech Stack (2025 update)](https://medium.com/wise-engineering/wise-tech-stack-2025-update-d0e63fe718c7)** * **[See what it's like to work at Wise London!](https://www.youtube.com/watch?v=XNMeFMoqBEA&feature=youtu.be)** * **[Our Engineering career map](https://wise.jobs/engineering-career-map)** **Wise Engineering –** **What do we offer:** * **Starting salary:** £111,000 - £145,000k + RSUs * **[Wise Benefits](https://wise.jobs/what-we-offer)** **#LI-AB3 #LI-Hybrid** **What will you be working on?** **Key focus areas for the team are:** * Building **international joint accounts** for globally distributed users * Expanding Wise **kid accounts** into additional markets * Creating shared finance experiences that work across borders * Designing scalable backend systems for high-growth consumer products * Developing features around shared spending, sending/receiving money, and account customization * Collaborating on customer discovery and product iteration * Scaling infrastructure and improving reliability across multiple markets * Building greenfield financial products from concept to production **You’ll also have opportunities to work across multiple areas of the Wise ecosystem, including:** * Send/receive money flows * Spend experiences * Authorization systems * FinCrime-related systems * Shared account infrastructure **What do you need?** *We are fully aware that it is uncommon for a candidate to have all skills required and we fully support everyone in learning new skills with us. So if you have some of those listed below and are eager to learn more we do want to hear from you!* * You know how to build scalable distributed systems and deliver customer-facing products used by millions of users. * You are proficient in backend programming languages such as **Java, Kotlin, Python, or Go**. * You have strong experience designing asynchronous, reliable, and scalable systems within **microservice architectures**. * You are comfortable working in greenfield environments where requirements evolve rapidly and ambiguity is part of the process. * You have a strong **product mindset** and enjoy collaborating closely with **Product Managers, Designers, Analysts, and Researchers** to shape solutions — not just implement them. * You care deeply about customer experience and understand how technical decisions impact end users. * You are comfortable contributing to architectural discussions, challenging assumptions, and influencing technical and product direction. * You write clean, maintainable, well-tested code and care about long-term scalability and reliability. * You are a strong communicator who can explain complex technical concepts clearly and collaborate effectively across teams. * You are comfortable operating independently while also contributing to a collaborative team culture. **Nice to have** * Experience building greenfield products from scratch * Experience working on international consumer products * Experience with payments, financial systems, or compliance-heavy environments * Experience building systems at global scale * Familiarity with event-driven architecture and messaging systems such as Kafka * Experience with customer-facing financial products * API-first development experience **Interested? Find out more:** * **[How we work – a practical guide](https://wise.jobs/how-we-work)** * **[DEI @ Wise](https://wise.jobs/diversity-equity-and-inclusion)** * **[Wise Tech Stack (2025 update)](https://medium.com/wise-engineering/wise-tech-stack-2025-update-d0e63fe718c7)** * **[Our Engineering career map](https://wise.jobs/engineering-career-map)** * **[Scaling our Infrastructure; how we make it work](https://medium.com/transferwise-engineering/scaling-our-infrastructure-at-transferwise-how-we-make-it-work-a4c7a1bd5b8e)** * **Wise Engineering –** **What do we offer:** * **Starting salary: 111K - 145K GBP + RSUs** * **[Wise Benefits](https://wise.jobs/what-we-offer)** For everyone, everywhere. We're people building money without borders  — without judgement or prejudice, too. We believe teams are strongest when they are diverse, equitable and inclusive. We're proud to have a truly international team, and we celebrate our differences. Inclusive teams help us live our values and make sure every Wiser feels respected, empowered to contribute towards our mission and able to progress in their careers. If you want to find out more about what it's like to work at Wise visit [Wise.Jobs](https://www.wise.jobs/). Keep up to date with life at Wise by following us on [LinkedIn](https://www.linkedin.com/company/1769571/) and [Instagram](https://www.instagram.com/wisecareers/).